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Re: Things to do in St.Louis with a toddler

I'm from St. Louis and I have/had toddlers. Grants Farm (Free) - Park down the bike trail a ways for free parking St. Louis Zoo(Free) The Botanical Garden ($$) - awesome new kids area there Magic House ($$$) - a must visit for vacation The Children's Museum ($$$) - pricey, but worth it for toddlers ...
by Tigermoose
Mon Feb 24, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Things to do in St.Louis with a toddler
Replies: 15
Views: 596

Re: St Louis Bogleheads

Thanks Larry. Please keep us posted on the time for the St. Charles County Library presentation at Spencer Rd.
by Tigermoose
Fri Feb 07, 2014 6:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 12
Views: 949

Re: Thoughts on my glidepath

Some of it depends on how close you are to your retirement nest egg goal. If you feel you are well ahead of schedule in the amount saved/invested, then you might want to go 2% per year into Bonds starting now. If you are behind schedule, then perhaps just 1% per year into bonds.
by Tigermoose
Thu Feb 06, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my glidepath
Replies: 9
Views: 796

Re: What is your definition of "Financially Wealthy?"

When you live in such a way that you do not need to think about money.
by Tigermoose
Mon Feb 03, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 9651

Re: Why so many Roth IRAs?

I want flexibility on my taxable income during retirement. I figure I can stay below the higher tax rates by drawing from my 401 just under the higher tax bracket, then pulling on the Roth funds for more income above that tax rate. It also serves as a current emergency buffer.
by Tigermoose
Mon Feb 03, 2014 7:28 am
 
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4436

Re: Doom and Gloom

We are living in a golden age.
by Tigermoose
Tue Jan 14, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Doom and Gloom
Replies: 41
Views: 2575

Looking for a good vitamin supplement

I need to supplement my calcium, iron, and potassium to meet recommended levels. I am either lactose intolerant or allergic to whey and/or casein. Any suggestions or guides that you can point me to?
by Tigermoose
Fri Jan 10, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a good vitamin supplement
Replies: 9
Views: 764

Getting ready to rebalance - anything I need to know

I've not been paying much attention to financial news lately or this discussion board. Its time for me to do my portfolio checkup and rebalance. Anything I should know?
by Tigermoose
Sat Dec 28, 2013 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting ready to rebalance - anything I need to know
Replies: 2
Views: 265

Re: "Slice and Dicers"

I Slice & Dice because I have limited options in my 401ks. If I could just invest everything in a 3 fund portfolio, I probably would. But that's not an option for me.
by Tigermoose
Thu Nov 21, 2013 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: "Slice and Dicers"
Replies: 39
Views: 2919

Re: Would you rebalance out of your home ?

I bundle REITS with my home as an asset category. So if my "Real Estate" asset category needs rebalanced, I would buy or sell REITs to get back to my target %.
by Tigermoose
Mon Sep 16, 2013 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you rebalance out of your home ?
Replies: 34
Views: 2197

Re: Bond Funds ONLY for income

... in today's environment of increasing interest rates, where you well know that total return in the near future, maybe years, will be negative for bond funds. I'm not sure if we can say that with as much confidence as we could 6 months ago. With the fear of 2008-9 still in investors minds, and th...
by Tigermoose
Thu Sep 12, 2013 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Funds ONLY for income
Replies: 41
Views: 2852

Re: Allocation to international stocks

I trust the institutions, accounting, government, etc of the United States much more than foreign nations with questionable institutions (EU, Communist China, Demographic implosion Japan, emerging/submerging markets, etc). Therefore I trust that for the long term, the corporations of the United Stat...
by Tigermoose
Thu Sep 12, 2013 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Allocation to international stocks
Replies: 21
Views: 1976

Re: Body by Science Workout

No, as I posted earlier, I fell off the wagon. I was doing regular strength training (8-10 exercises about 3x/wk, 3 sets of 6-8 to failure plus regular cardio) up through December, 2012. Then I went to the Caribbean and windsurfed almost every day all winter, but did not do any gym training. I got ...
by Tigermoose
Wed Sep 11, 2013 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 230
Views: 22236

Re: Body by Science Workout

I've always heard that compound free weights are better for weight training. Using machines so far has been a pleasant surprise because I have been able to exhaust my muscles without having a spotter. When doing free weights, I would rarely if ever fully exhaust the muscle due to safety concerns. I ...
by Tigermoose
Wed Sep 11, 2013 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 230
Views: 22236

Re: Do you have a Bloomberg terminal?

Paying for information and data is soooooo 20th century. :greedy
by Tigermoose
Wed Sep 11, 2013 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Do you have a Bloomberg terminal?
Replies: 30
Views: 2465

Re: Coaching Youth Soccer

I'm an assistant soccer coach for 5 year old boys as well. We run 3 vs. 3, and this year we've added a goalie to that mix per the league rules. First thing to keep in mind is that the success of your team is largely dependent upon the talent and physical advancement level of the players. If you get ...
by Tigermoose
Mon Sep 09, 2013 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Coaching Youth Soccer
Replies: 28
Views: 1764

Re: Body by Science Workout

I think the BBS workout seems similar to the Lean Gains or Strong LIfts 5x5 workouts. Both emphasize focusing on a finite set of exercises, primarily bench press, squats, deadlift, overhead press and rows (or chinups/pullups), resting 1 or 2 days between workouts and getting back to it. In two week...
by Tigermoose
Wed Sep 04, 2013 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 230
Views: 22236

Re: Body by Science Workout

I thought that the point of the authors was that there is no such thing as "cardio" as we generally think about it. Instead, certain muscles are conditioned to operate more efficiently when we train them in certain activities, and we develop better technique through practice, and thus we r...
by Tigermoose
Tue Sep 03, 2013 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 230
Views: 22236

Six Reasons the U. S. Will Dominate

For new investors, something to consider when creating your IPS and determining your international vs. U. S. percentages.

http://www.bloomberg.com/news/2013-08-27/six-reasons-the-u-s-will-dominate.html

:sharebeer
by Tigermoose
Wed Aug 28, 2013 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Six Reasons the U. S. Will Dominate
Replies: 0
Views: 413

Re: emerging markets have investors panicking

I don't like the implication of the term "emerging markets." Some people might assume that these markets are on an undisputed path to future emergence and progress -- all because of the words "emerging markets." This is not necessarily so. They are not necessarily "submergin...
by Tigermoose
Tue Aug 27, 2013 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: emerging markets have investors panicking
Replies: 142
Views: 13090

Re: Body by Science Workout

Gatorman, thanks for the book and workout recommendation. I got a lot of results from doing the big five core with Mark Rippetoe's starting strength - bench press, shoulder press, deadlift, power clean, pullups. Unfortunately, once the weight gets intense it gets a little too hard on my joints and b...
by Tigermoose
Tue Aug 27, 2013 10:44 am
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 230
Views: 22236

Re: First Time Investor (early 30's)

1. Develop an Investment Policy Statement (IPS) that declares your investing objectives and strategy for getting there. Determine an asset allocation mix. The boglehead Wiki can help you. 2. Contribute to 403 b plan as far as your employer matches. If not, then don't. 3. Max our Roth IRAs for you an...
by Tigermoose
Mon Aug 26, 2013 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Investor (early 30's)
Replies: 18
Views: 1784

Re: What to do once you have maxed out tax advantaged space?

Once you have moved all of your tax-advantaged accounts to bonds, maxed your 529, I-bond bonds, etc., paying off your mortgage is not a bad option. This "negative bond", even at 1.99%, is probably better than most of your bond alternatives. Bingo. Would you take out a 1.99% loan in order ...
by Tigermoose
Mon Aug 26, 2013 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do once you have maxed out tax advantaged space?
Replies: 29
Views: 3869

Re: Make no mistake: Mr. Market is smarter than you

I suspect that mean reversion is a story we tell ourselves when we look at past data --- a lot like "technical analysis" and "world history." Sure, it makes sense and its a good story, but its worthless for predicting the future.
by Tigermoose
Mon Aug 26, 2013 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Make no mistake: Mr. Market is smarter than you
Replies: 36
Views: 3807

Re: I do not understand bonds

1. Total return of bond funds includes both interest paid out and capital appreciation/depreciation. 2. Bonds do not have a "negative" correlation. They just have a low correlation. They do not move opposite to what the equity market does. They just have a smaller chance of moving in paral...
by Tigermoose
Mon Aug 26, 2013 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: I do not understand bonds
Replies: 10
Views: 1668

Re: "Baked into the price"

You get potentially more return for taking more perceived risk. Of course, you could potentially take more losses if those perceived risks turn out to be actual. International prices are lower because they are perceived to be riskier right now. Feeling lucky?
by Tigermoose
Sat Aug 24, 2013 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Baked into the price"
Replies: 6
Views: 707

Re: Stable Value versus Intermediate Bond Fund

As others have said, make sure the 2% on the SVF is after expenses. I'm in the same situation in that I have a couple of SVFs accessible to me that pay 3% after expenses. I'm keeping my bond allocations heavily in these SVF until rates go up/price goes down on the bonds so that there is more an even...
by Tigermoose
Fri Aug 23, 2013 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value versus Intermediate Bond Fund
Replies: 32
Views: 3252

Re: Financial advice

During a new co-worker orientation at my first real job at age 22: invest now in your 401k because compound interest will increase enormously over time.
by Tigermoose
Thu Aug 22, 2013 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial advice [that you've ignored]
Replies: 19
Views: 2198

Re: Insanity in the office kitchen/break room

mike143 wrote: People seem to lack any concern.


Try that.
by Tigermoose
Tue Aug 20, 2013 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Insanity in the office kitchen/break room
Replies: 32
Views: 3117

Re: Interesting paper on why the U. S. rocks

If the US market didn't look cheap 20% ago, it really doesn't look cheap now. We have decided that it's the Goldilocks scenario,that economic growth will not be so fast as to force the Fed to raise rates, but conversely not so low that earnings will really disappoint. And the recurrent budget issue...
by Tigermoose
Tue Aug 20, 2013 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting paper on why the U. S. rocks
Replies: 16
Views: 1922

Re: Swedroe On Int'l Allocation

Here is a decent article on this subject: http://www.investorschronicle.co.uk/2011/07/14/comment/chris-dillow/the-emerging-market-growth-myth-aRKx7RWKzYJtXSYEyNkYqI/article.html http://www.hendershotinvestments.com/new/hendershotinvestments/Lunch%20with%20Jack%20Bogle.pdf?advisorid=331723 (Intervie...
by Tigermoose
Tue Aug 20, 2013 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe On Int'l Allocation
Replies: 38
Views: 3567

Re: Swedroe On Int'l Allocation

I thought it was acknowledged here on Bogleheads that growth does not equal or correlate with increased equity returns? Do you think that acknowledgement is universal among all Bogleheads, or in any way, conclusive? (Don't shoot me, I am just the messenger :wink: ). Here is a decent article on this...
by Tigermoose
Tue Aug 20, 2013 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe On Int'l Allocation
Replies: 38
Views: 3567

Re: Swedroe On Int'l Allocation

Since Malkiel is quoted here, I will quote from his Tenth edition book : One of the biggest mistakes that investors make is to fail to obtain sufficient international diversification. The United States represents only slightly more than 40 percent of the world economy. To be sure, a U.S. Total Stoc...
by Tigermoose
Tue Aug 20, 2013 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe On Int'l Allocation
Replies: 38
Views: 3567

Re: The Great Rotation

Fear vs Greed. The rotation would be driven by Greed, not Fear. Fear drives people from Bonds to Cash. Greed drives people from Bonds and Cash to Equities. Right now, people fear the Taper.
by Tigermoose
Tue Aug 20, 2013 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: The Great Rotation
Replies: 1
Views: 393

Re: Gold and DJIA: What is going on?!

Rick has studied and written on this topic. He used many many data points, not just one. Similarly, when you play poker, you do not base your current decision on one time you had 4 aces. You consider that data point against numerous others. Rick has done just that in his papers on this. You might n...
by Tigermoose
Tue Aug 20, 2013 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Gold and DJIA: What is going on?!
Replies: 137
Views: 7683

Re: Gold and DJIA: What is going on?!

When I play poker, I could end up with 4 aces. I could. Probability is another thing though. I think you and I should play poker sometime :sharebeer I was not saying it was probable that new uses would be discovered for gold or that gold would go to $6000. I was saying it was funny to say with such...
by Tigermoose
Tue Aug 20, 2013 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Gold and DJIA: What is going on?!
Replies: 137
Views: 7683

Re: Gold and DJIA: What is going on?!

Seriously. That was a pretty bold claim of future knowledge by Mr. Ferri. What if the next generation quantum computer requires massive use of gold? What if gold is found to quadruple the strength of carbon nanotubes in some new unknown process? Gold could be $600 in a couple of years or $6000. Whe...
by Tigermoose
Tue Aug 20, 2013 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Gold and DJIA: What is going on?!
Replies: 137
Views: 7683

Re: Interesting paper on why the U. S. rocks

Meaningless vis a vis future stock performance. +1 The net was full of rosy predictions in 1999 and 2000, then again in 2005, 2006, and 2007. Crystal balls are notoriously cloudy. It was full of imminent crash predictions, and bear market predictions, as well -- at pretty much any time you want to ...
by Tigermoose
Tue Aug 20, 2013 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Interesting paper on why the U. S. rocks
Replies: 16
Views: 1922

Re: Bond Market Ruckus

Yes, you should avoid the bond market. Don't avoid fixed income, just the bond market. Too much risk for not enough reward. Take your risk on the equity side and stick with high yield savings and CDs. ' That was probably true a few months ago, but now that rates have risen substantially, I don't kn...
by Tigermoose
Tue Aug 20, 2013 7:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Market Ruckus
Replies: 66
Views: 4591

Re: Bond Market Ruckus

Just DCA monthly into all 4 funds for the next year and you will be fine.
by Tigermoose
Mon Aug 19, 2013 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Market Ruckus
Replies: 66
Views: 4591

Re: P/E ratio

http://www.ritholtz.com/blog/2013/08/future-growth-current-valuations/

This will help you understand a little better why P/E ratios are suspect.
by Tigermoose
Mon Aug 19, 2013 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: P/E ratio
Replies: 6
Views: 738

Re: Time to abandon a global portfolio?

Careful. Noobvestor's blood pressure might get out of hand when reading that paper :P I didn't read it. You have your sources of confirmation bias. I have mine. LOL. I don't take mine seriously. I give myself a 50/50 chance of being right. I just stick to my IPS. Sure, my bias was built into the or...
by Tigermoose
Mon Aug 19, 2013 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Time to abandon a global portfolio?
Replies: 21
Views: 2559

Re: Time to abandon a global portfolio?

Careful. Noobvestor's blood pressure might get out of hand when reading that paper :P
by Tigermoose
Mon Aug 19, 2013 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: Time to abandon a global portfolio?
Replies: 21
Views: 2559

Re: Interesting paper on why the U. S. rocks

I can't tell whether you're being ironic here. I am personally staying the course. Meaning I'm continuing to "underweight" international, not because I think it's better, but because I think it's probably OK and it's what I've been doing and I'm staying the course. I'm continuing to hold ...
by Tigermoose
Mon Aug 19, 2013 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting paper on why the U. S. rocks
Replies: 16
Views: 1922

Re: REIT question

" Smart investors know that while there's little to no evidence that you can successfully use valuations to time the market, valuations do matter. " - Larry Swedroe http://www.cbsnews.com/8301-505123_162-57593960/returns-from-the-stock-market-what-to-expect/ In horse racing, it is obvious...
by Tigermoose
Mon Aug 19, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: REIT question
Replies: 56
Views: 5743

Re: Catching a falling knife in the bond market?

nisiprius wrote:
If it is a falling knife, it's just a butterknife.



Classic! I'm hoping you just made that up, because its fantastic.
by Tigermoose
Mon Aug 19, 2013 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Catching a falling knife in the bond market?
Replies: 15
Views: 1817

Re: Interesting paper on why the U. S. rocks

Valuethinker wrote:Really you needed to place your bets 20% or so ago in the US market.


What does your crystal ball of valuation tell you for the remainder of the year? What is your benchmark for valuation?
by Tigermoose
Mon Aug 19, 2013 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting paper on why the U. S. rocks
Replies: 16
Views: 1922

Re: Any aspiring writer sites that are Boglehead like in qua

I like http://www.writersdigest.com/. They will try to sell you books seminars, etc., but they also offer a lot of free ideas on improving writing and have a number of contests in various genres. Thanks Wacobay! I've registered there and introduced myself. We'll see where this leads. Anybody else h...
by Tigermoose
Mon Aug 19, 2013 10:42 am
 
Forum: Personal Consumer Issues
Topic: Any aspiring writer sites that are Boglehead like in quality
Replies: 2
Views: 330
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